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| 正面描述 | Brown-toned certificate with ornate guilloche border. The Ashoka Lion Capital pillar appears at left and right flanking the central text block, with the denomination "FIVE RUPEES" displayed at both upper corners. A formal contract text in English certifies the holder's registration, with fields for post office, date of issue, register number, and postmaster's signature at foot. |
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| 背面铭文 | 1948 ISSUE RECEIPT ON DISCHARGE. 7 Year certificate Amount to be invested If payment is claimed after one complete year or earlier .. .. 5-0-0 after two complete years .. 5-1-6 " three " " .. 5-3-6 " four " " .. 5-7-0 " five " " .. 5-11-0 " six " " .. 6-0-0 " seven " " .. 6-4-0 Received payment of Rs. in words Date Signature(s) or thumb impression(s) of holder(s). Note. The holder(s) are recommended to keep a note of the serial No. and date of issue of this certificate and to notify immediately the post office in which the certificate is registered, in the event of the certificate being lost. THIS CERTIFICATE IS ISSUED IN ACCORDANCE WITH THE TERMS OF THE NOTIFICATION No. 1978 (B) - C1/48, DATED THE 21ST MAY 1948 |
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National Savings Certificates occupy an odd corner of notaphily — they are not banknotes and not bonds in the conventional sense, but fiscal instruments issued through post offices as a direct government borrowing mechanism from the public. India's post-war savings drive in 1948 was partly aimed at absorbing liquidity left over from wartime military spending and suppressing inflationary pressure in the early months of independence.
The "7 Year" designation is the key detail: these matured at a fixed rate set at issue, redeemable only at a post office rather than through any banking channel.